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Upturn AI SWOT - About
ONB 
Old National Bancorp (ONB)
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Upturn Advisory Summary
09/11/2025: ONB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $26.45
1 Year Target Price $26.45
| 5 | Strong Buy |
| 3 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -25% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/11/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.88B USD | Price to earnings Ratio 13.49 | 1Y Target Price 26.45 |
Price to earnings Ratio 13.49 | 1Y Target Price 26.45 | ||
Volume (30-day avg) 11 | Beta 0.88 | 52 Weeks Range 16.62 - 24.03 | Updated Date 09/12/2025 |
52 Weeks Range 16.62 - 24.03 | Updated Date 09/12/2025 | ||
Dividends yield (FY) 2.50% | Basic EPS (TTM) 1.68 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.98% | Operating Margin (TTM) 35.3% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 8% |
Valuation
Trailing PE 13.49 | Forward PE 8.61 | Enterprise Value 14893813760 | Price to Sales(TTM) 4.69 |
Enterprise Value 14893813760 | Price to Sales(TTM) 4.69 | ||
Enterprise Value to Revenue 7.47 | Enterprise Value to EBITDA - | Shares Outstanding 391855008 | Shares Floating 388563418 |
Shares Outstanding 391855008 | Shares Floating 388563418 | ||
Percent Insiders 0.65 | Percent Institutions 94.02 |
Upturn AI SWOT
Old National Bancorp
Company Overview
History and Background
Old National Bancorp was founded in 1834 in Evansville, Indiana. It has grown through organic expansion and acquisitions to become one of the largest bank holding companies in the Midwest.
Core Business Areas
- Commercial Banking: Provides lending, treasury management, and capital markets services to businesses of all sizes.
- Retail Banking: Offers deposit accounts, loans, and wealth management services to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services.
Leadership and Structure
The leadership team consists of the CEO, CFO, COO, and heads of key business segments. The organizational structure is based on geographic regions and business lines.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data not publicly available at granular product level. Competitors: US Bank, Fifth Third Bancorp, Huntington Bancshares.
- Number of Users: Number of users is unknown, market share data not publicly available.
- Revenue: Revenue from Commercial Loans is unknown as this is specific detail which is not publicly shared.
- Mortgage Loans: Loans to individuals for purchasing or refinancing homes. Market share data not publicly available at granular product level. Competitors: Chase, Wells Fargo, Rocket Mortgage.
- Number of Users: Number of users is unknown, market share data not publicly available.
- Revenue: Revenue from Mortgage Loans is unknown as this is specific detail which is not publicly shared.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data not publicly available at granular product level. Competitors: Chase, Fifth Third Bancorp, PNC.
- Number of Users: Number of users is unknown, market share data not publicly available.
- Revenue: Revenue from Deposit Accounts is unknown as this is specific detail which is not publicly shared.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory scrutiny.
Positioning
Old National Bancorp is positioned as a regional bank with a focus on relationship banking and community involvement. Competitive advantages include strong local presence and customer service.
Total Addressable Market (TAM)
The TAM for banking services in the Midwest is estimated to be in the hundreds of billions of dollars. Old National Bancorp's position in the TAM is substantial, with significant opportunities for growth.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused approach
- Experienced management team
- Solid financial performance
Weaknesses
- Limited geographic reach compared to national banks
- Dependence on traditional banking products
- Vulnerability to economic downturns in the Midwest
- Smaller marketing budget compared to larger competitors
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from fintech companies
- Rising interest rates
- Regulatory changes
- Economic recession
Competitors and Market Share
Key Competitors
- USB
- FITB
- HBAN
Competitive Landscape
Old National Bancorp faces competition from larger national banks and smaller community banks. Its advantages include a strong local presence and customer service, while its disadvantages include a limited geographic reach and dependence on traditional banking products.
Major Acquisitions
First Midwest Bancorp
- Year: 2022
- Acquisition Price (USD millions): 2500
- Strategic Rationale: Expanded ONB's presence in the Chicago market and increased its assets under management.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is unavailable, please research current information to include.
Future Projections: Future projection estimates information is unavailable, please research current information to include.
Recent Initiatives: Recent initiatives information is unavailable, please research current information to include.
Summary
Old National Bancorp is a regional bank with a strong presence in the Midwest. Its strengths include a customer-focused approach and experienced management. However, it faces challenges from increased competition and regulatory changes. Recent acquisitions and strategic initiatives aim to drive future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- FDIC
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Old National Bancorp
Exchange NASDAQ | Headquaters Evansville, IN, United States | ||
IPO Launch date 1990-03-26 | CEO & Chairman Mr. James C. Ryan III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 5313 | Website https://www.oldnational.com |
Full time employees 5313 | Website https://www.oldnational.com | ||
Old National Bancorp operates as the bank holding company for Old National Bank that provides consumer and commercial banking services in the United States. It accepts deposit accounts, such as noninterest-bearing demand, interest-bearing checking and negotiable order of withdrawal, savings and money market, and time deposits. The company also offers loans, including home equity lines of credit, residential real estate loans, and consumer loans, as well as loans to commercial clients comprising commercial loans, commercial real estate loans, agricultural loans, letters of credit, and lease financing. In addition, it provides debit and automated teller machine cards, telephone access and online banking, and other electronic and mobile banking services. Further, the company offers private banking, wealth management, trust, investment advisory, brokerage, and foreign currency services; treasury management, merchant, and capital markets services for businesses; and community development lending and equity investment solutions. Old National Bancorp was founded in 1834 and is headquartered in Evansville, Indiana.
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